Medicare Supplement Insurance (Medigap) gives Louisiana residents added protection against out-of-pocket medical costs that Original Medicare doesn’t fully cover. These costs often include deductibles, copayments, and coinsurance. In Louisiana, insurers may offer up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to anyone who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Louisiana
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 74,442 |
| 2 | G | 59,772 |
| 3 | N | 13,319 |
How Medigap Pricing Works in Louisiana
Medigap premiums are determined by pricing models that influence how costs rise over time. Louisiana insurers may use one of three approaches:
- Attained-age rated – Premiums increase as you get older. This is the most common pricing model in the state.
- Issue-age rated – Premiums are based on your age at purchase and can increase due to inflation, but not aging.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in Louisiana
Medigap is available in Louisiana to more than just retirees. Individuals under 65 with disabilities or end-stage renal disease (ESRD) have the right to buy Medigap coverage. By law, insurers must make all Medigap plans available to under-65 beneficiaries. However, premiums for this group are often set at higher rates than those for individuals age 65 and older.
Next Steps for Louisiana Medicare Beneficiaries
Whether you’re considering Plan G for its balanced coverage, Plan N for cost-conscious protection, or comparing all options side by side, the right Medigap policy can make healthcare expenses more predictable. Explore our resources to learn more: